О методике расчета страховых тарифов по видам страхования, относящихся к страхованию жизни
Условная таблица коммутационных чисел при норме доходности i=0,05
x лет |
lx |
dx |
Dx |
Nx |
Sx |
Cx |
Mx |
Rx |
0 |
100000 |
1923 |
100000 |
1963929 |
36345698 |
1831,43 |
6478 |
233048 |
1 |
98077 |
173 |
93407 |
1863929 |
34381770 |
156,92 |
4647 |
226570 |
2 |
97904 |
80 |
88802 |
1770522 |
32517841 |
69,11 |
4490 |
221923 |
3 |
97824 |
65 |
84504 |
1681720 |
30747319 |
53,48 |
4421 |
217433 |
4 |
97759 |
56 |
80427 |
1597216 |
29065599 |
43,88 |
4367 |
213012 |
5 |
97703 |
55 |
76553 |
1516789 |
27468383 |
41,04 |
4323 |
208645 |
6 |
97648 |
55 |
72866 |
1440237 |
25951593 |
39,09 |
4282 |
204321 |
7 |
97593 |
53 |
69358 |
1367370 |
24511357 |
35,87 |
4243 |
200039 |
8 |
97540 |
50 |
66019 |
1298013 |
23143987 |
32,23 |
4207 |
195795 |
9 |
97490 |
44 |
62843 |
1231994 |
21845974 |
27,01 |
4175 |
191588 |
10 |
97446 |
39 |
59823 |
1169151 |
20613980 |
22,8 |
4148 |
187413 |
11 |
97407 |
37 |
56952 |
1109327 |
19444829 |
20,6 |
4125 |
183265 |
12 |
97370 |
40 |
54219 |
1052376 |
18335502 |
21,21 |
4105 |
179139 |
13 |
97330 |
47 |
51616 |
998156 |
17283126 |
23,74 |
4084 |
175034 |
14 |
97283 |
60 |
49135 |
946540 |
16284970 |
28,86 |
4060 |
170951 |
15 |
97223 |
74 |
46766 |
897406 |
15338430 |
33,9 |
4031 |
166891 |
16 |
97149 |
88 |
44505 |
850640 |
14441024 |
38,39 |
3997 |
162860 |
17 |
97061 |
101 |
42347 |
806135 |
13590384 |
41,97 |
3959 |
158863 |
18 |
96960 |
111 |
40289 |
763787 |
12784250 |
43,93 |
3917 |
154904 |
19 |
96849 |
117 |
38326 |
723498 |
12020462 |
44,1 |
3873 |
150987 |
20 |
96732 |
121 |
36457 |
685172 |
11296964 |
43,43 |
3829 |
147114 |
21 |
96611 |
124 |
34678 |
648715 |
10611792 |
42,39 |
3785 |
143286 |
22 |
96487 |
127 |
32984 |
614037 |
9963078 |
41,35 |
3743 |
139500 |
23 |
96360 |
131 |
31372 |
581053 |
9349041 |
40,62 |
3702 |
135758 |
24 |
96229 |
134 |
29838 |
549681 |
8767988 |
39,57 |
3661 |
132056 |
25 |
96095 |
138 |
28377 |
519843 |
8218307 |
38,81 |
3621 |
128395 |
26 |
95957 |
141 |
26987 |
491466 |
7698464 |
37,77 |
3583 |
124774 |
27 |
95816 |
144 |
25664 |
464479 |
7206998 |
36,73 |
3545 |
121191 |
28 |
95672 |
148 |
24405 |
438815 |
6742519 |
35,96 |
3508 |
117646 |
29 |
95524 |
152 |
23207 |
414410 |
6303704 |
35,17 |
3472 |
114138 |
30 |
95372 |
159 |
22067 |
391202 |
5889294 |
35,04 |
3437 |
110666 |
31 |
95213 |
169 |
20981 |
369135 |
5498092 |
35,47 |
3402 |
107229 |
32 |
95044 |
183 |
19947 |
348154 |
5128956 |
36,58 |
3366 |
103827 |
33 |
94861 |
201 |
18960 |
328208 |
4780802 |
38,26 |
3330 |
100461 |
34 |
94660 |
220 |
18019 |
309248 |
4452594 |
39,88 |
3292 |
97131 |
35 |
94440 |
240 |
17121 |
291229 |
4143346 |
41,44 |
3252 |
93840 |
36 |
94200 |
257 |
16264 |
274108 |
3852118 |
42,26 |
3210 |
90588 |
37 |
93943 |
273 |
15448 |
257843 |
3578010 |
42,75 |
3168 |
87378 |
38 |
93670 |
286 |
14669 |
242396 |
3320167 |
42,66 |
3125 |
84210 |
39 |
93384 |
302 |
13928 |
227727 |
3077771 |
42,9 |
3083 |
81084 |
40 |
93082 |
321 |
13222 |
213799 |
2850044 |
43,43 |
3040 |
78002 |
41 |
92761 |
347 |
12549 |
200577 |
2636246 |
44,71 |
2996 |
74962 |
42 |
92414 |
382 |
11907 |
188028 |
2435669 |
46,87 |
2952 |
71966 |
43 |
92032 |
424 |
11293 |
176121 |
2247641 |
49,55 |
2905 |
69014 |
44 |
91608 |
471 |
10705 |
164828 |
2071520 |
52,42 |
2855 |
66110 |
45 |
91137 |
517 |
10143 |
154123 |
1906691 |
54,8 |
2803 |
63254 |
46 |
90620 |
559 |
9605 |
143980 |
1752568 |
56,43 |
2748 |
60452 |
47 |
90061 |
594 |
9092 |
134374 |
1608589 |
57,11 |
2691 |
57704 |
48 |
89467 |
622 |
8602 |
125283 |
1474214 |
56,95 |
2634 |
55012 |
49 |
88845 |
648 |
8135 |
116681 |
1348931 |
56,51 |
2577 |
52378 |
50 |
88197 |
676 |
7691 |
108546 |
1232250 |
56,14 |
2521 |
49800 |
51 |
87521 |
715 |
7269 |
100855 |
1123704 |
56,55 |
2465 |
47280 |
52 |
86806 |
769 |
6866 |
93586 |
1022849 |
57,93 |
2408 |
44815 |
53 |
86037 |
838 |
6481 |
86720 |
929262 |
60,12 |
2350 |
42407 |
54 |
85199 |
919 |
6112 |
80239 |
842542 |
62,79 |
2290 |
40056 |
55 |
84280 |
1005 |
5759 |
74127 |
762302 |
65,4 |
2227 |
37766 |
56 |
83275 |
1087 |
5419 |
68368 |
688176 |
67,37 |
2162 |
35539 |
57 |
82188 |
1159 |
5094 |
62949 |
619807 |
68,41 |
2095 |
33377 |
58 |
81029 |
1219 |
4783 |
57856 |
556858 |
68,52 |
2026 |
31282 |
59 |
79810 |
1273 |
4486 |
53073 |
499002 |
68,15 |
1958 |
29256 |
60 |
78537 |
1330 |
4205 |
48587 |
445929 |
67,81 |
1890 |
27298 |
61 |
77207 |
1400 |
3936 |
44382 |
397342 |
67,98 |
1822 |
25409 |
62 |
75807 |
1483 |
3681 |
40446 |
352959 |
68,58 |
1754 |
23587 |
63 |
74324 |
1578 |
3437 |
36765 |
312514 |
69,5 |
1685 |
21833 |
64 |
72746 |
1679 |
3204 |
33328 |
275749 |
70,43 |
1616 |
20148 |
65 |
71067 |
1785 |
2981 |
30124 |
242421 |
71,31 |
1545 |
18532 |
66 |
69282 |
1895 |
2768 |
27143 |
212297 |
72,1 |
1474 |
16987 |
67 |
67387 |
2007 |
2564 |
24375 |
185155 |
72,72 |
1402 |
15513 |
68 |
65380 |
2122 |
2369 |
21811 |
160780 |
73,23 |
1329 |
14111 |
69 |
63258 |
2237 |
2183 |
19442 |
138969 |
73,52 |
1256 |
12782 |
70 |
61021 |
2353 |
2006 |
17259 |
119526 |
73,65 |
1182 |
11526 |
71 |
58668 |
2466 |
1836 |
15254 |
102267 |
73,51 |
1109 |
10344 |
72 |
56202 |
2576 |
1675 |
13417 |
87014 |
73,14 |
1035 |
9235 |
73 |
53626 |
2680 |
1522 |
11742 |
73597 |
72,46 |
962 |
8200 |
74 |
50946 |
2777 |
1378 |
10219 |
61855 |
71,51 |
890 |
7238 |
75 |
48169 |
2862 |
1240 |
8842 |
51636 |
70,19 |
818 |
6349 |
76 |
45307 |
2936 |
1111 |
7601 |
42794 |
68,58 |
748 |
5531 |
77 |
42371 |
2994 |
990 |
6490 |
35193 |
66,6 |
679 |
4783 |
78 |
39377 |
3034 |
876 |
5500 |
28703 |
64,28 |
613 |
4103 |
79 |
36343 |
3052 |
770 |
4624 |
23202 |
61,58 |
548 |
3491 |
80 |
33291 |
3048 |
672 |
3855 |
18578 |
58,57 |
487 |
2942 |
81 |
30243 |
3017 |
581 |
3183 |
14723 |
55,21 |
428 |
2455 |
82 |
27226 |
2959 |
498 |
2602 |
11540 |
51,57 |
373 |
2027 |
83 |
24267 |
2872 |
423 |
2103 |
8939 |
47,67 |
321 |
1654 |
84 |
21395 |
2756 |
355 |
1680 |
6835 |
43,57 |
274 |
1333 |
85 |
18639 |
2612 |
295 |
1325 |
5155 |
39,33 |
230 |
1059 |
86 |
16027 |
2443 |
241 |
1031 |
3830 |
35,03 |
191 |
828 |
87 |
13584 |
2251 |
195 |
789 |
2799 |
30,74 |
156 |
638 |
88 |
11333 |
2039 |
155 |
595 |
2010 |
26,52 |
125 |
482 |
89 |
9294 |
1815 |
121 |
440 |
1415 |
22,48 |
99 |
357 |
90 |
7479 |
1584 |
93 |
319 |
976 |
18,69 |
76 |
258 |
91 |
5895 |
1353 |
70 |
226 |
657 |
15,2 |
57 |
182 |
92 |
4542 |
1129 |
51 |
157 |
430 |
12,08 |
42 |
124 |
93 |
3413 |
917 |
37 |
106 |
274 |
9,34 |
30 |
82 |
94 |
2496 |
725 |
25 |
69 |
168 |
7,04 |
21 |
52 |
95 |
1771 |
555 |
17 |
44 |
99 |
5,13 |
14 |
31 |
96 |
1216 |
411 |
11 |
27 |
55 |
3,62 |
9 |
17 |
97 |
805 |
292 |
7 |
15 |
29 |
2,45 |
5 |
9 |
98 |
513 |
200 |
4 |
8 |
13 |
1,6 |
3 |
4 |
99 |
313 |
131 |
2 |
4 |
5 |
1 |
1 |
1 |
100 |
182 |
182 |
1 |
1 |
1 |
0 |
0 |
0 |
|
|
|